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Copiadesim Eq09 Ma (2) Matefinanciera
Copiadesim Eq09 Ma (2) Matefinanciera
Fondo de
Interes Comp. Depreciacion Fondo de
Interes Comp. Depreciacion Amortizacion
Amortizacion
I I I I
m P i
I P i n Pi ( ) in m
i( ) Pn m
n P( )
n n
Anual Mes Anual Mes
l= $750.00 $750.00 l= $750.00 l=
P= $15,000.00 P= $15,000.00 $15,000.00 P=
i= 5.00% i= 5.00% i=
n= 1 12 n= 1 12 n=
m= 12 m= 12 m=
m/n= 1 m/n= 1 m/n=
Men Principal
PLE
I I I I
i n
Pn m Pi i
P( ) P( )
n m
Anual Mes Anual Mes
$750.00 l= $750.00
$15,000 P= $15,000
5.00% 5.00% i= 5.00%
1 12 n= 1 12
12 m= 12
1 m/n=
INTERES COMPUESTO
C M
M
l/n log M log C
(1 i )
n i=( )1 n= =
C log ( 1 + i )
C= $13,605.44 i= -44.87% n=
i= 5.00% C= $13,605.44 C=
n= 2 n= 2 i=
M= $15,000.00 M= $15,000.00 M=
Men
Principal
Men Principal
ESTO
g M log C
g ( 1+ i )
= M = C ( 1 + i )n =
2 M= $15,000.00
$13,605.44 C= $13,605.44
5.00% i= 5.00%
$15,000.00 n= 2
TASA EFECTIVA Y TASA REAL
n TE - Ti
TE= ( 1+TN) -1 X 100 TR= Men
n 1 + Ti Principal
n= 3 Ti= 1.1%
TE 0.09
TR 0.076436472
Comparativo
0.09
0.09
0.09
%
0.08 0.08
0.08
0.07 Tasas
TE TR
ANUALIDADES
S $ 12,336
R $ 1,000.00 Tasa
i 6.00% Anual
n 12
S1 Poner Monto
S2 #VALUE!
R2 $ - Tasa
i2 10% Anual
n2 12
S $1,000,000.00
n
R $52,828.18 Tasa 1( 1+i )
i 60.00% Anual X =R =
n 60 i
TABLA DE AMORTIZACION
TOTALES $3,169,691.07 $1,000,000.00 $2,169,691.07 $42,393,821.43
n: PAGO MENSUAL Pago a capital Pago de intereses Capital restante
1 $52,828.18 $2,828.18 $50,000.00 $997,171.82
2 $52,828.18 $2,969.59 $49,858.59 $994,202.22
3 $52,828.18 $3,118.07 $49,710.11 $991,084.15
4 $52,828.18 $3,273.98 $49,554.21 $987,810.17
5 $52,828.18 $3,437.68 $49,390.51 $984,372.50
6 $52,828.18 $3,609.56 $49,218.62 $980,762.94
7 $52,828.18 $3,790.04 $49,038.15 $976,972.90
8 $52,828.18 $3,979.54 $48,848.64 $972,993.36
9 $52,828.18 $4,178.52 $48,649.67 $968,814.84
10 $52,828.18 $4,387.44 $48,440.74 $964,427.40
11 $52,828.18 $4,606.81 $48,221.37 $959,820.58
12 $52,828.18 $4,837.16 $47,991.03 $954,983.43
13 $52,828.18 $5,079.01 $47,749.17 $949,904.42
14 $52,828.18 $5,332.96 $47,495.22 $944,571.45
15 $52,828.18 $5,599.61 $47,228.57 $938,971.84
16 $52,828.18 $5,879.59 $46,948.59 $933,092.25
17 $52,828.18 $6,173.57 $46,654.61 $926,918.68
18 $52,828.18 $6,482.25 $46,345.93 $920,436.42
19 $52,828.18 $6,806.36 $46,021.82 $913,630.06
20 $52,828.18 $7,146.68 $45,681.50 $906,483.38
21 $52,828.18 $7,504.02 $45,324.17 $898,979.36
22 $52,828.18 $7,879.22 $44,948.97 $891,100.15
23 $52,828.18 $8,273.18 $44,555.01 $882,826.97
24 $52,828.18 $8,686.84 $44,141.35 $874,140.14
25 $52,828.18 $9,121.18 $43,707.01 $865,018.96
26 $52,828.18 $9,577.24 $43,250.95 $855,441.72
27 $52,828.18 $10,056.10 $42,772.09 $845,385.62
28 $52,828.18 $10,558.90 $42,269.28 $834,826.72
29 $52,828.18 $11,086.85 $41,741.34 $823,739.87
30 $52,828.18 $11,641.19 $41,186.99 $812,098.68
31 $52,828.18 $12,223.25 $40,604.93 $799,875.43
32 $52,828.18 $12,834.41 $39,993.77 $787,041.02
33 $52,828.18 $13,476.13 $39,352.05 $773,564.88
34 $52,828.18 $14,149.94 $38,678.24 $759,414.94
35 $52,828.18 $14,857.44 $37,970.75 $744,557.50
36 $52,828.18 $15,600.31 $37,227.88 $728,957.19
37 $52,828.18 $16,380.32 $36,447.86 $712,576.87
38 $52,828.18 $17,199.34 $35,628.84 $695,377.53
39 $52,828.18 $18,059.31 $34,768.88 $677,318.22
40 $52,828.18 $18,962.27 $33,865.91 $658,355.95
41 $52,828.18 $19,910.39 $32,917.80 $638,445.56
42 $52,828.18 $20,905.91 $31,922.28 $617,539.65
43 $52,828.18 $21,951.20 $30,876.98 $595,588.45
44 $52,828.18 $23,048.76 $29,779.42 $572,539.69
45 $52,828.18 $24,201.20 $28,626.98 $548,338.49
46 $52,828.18 $25,411.26 $27,416.92 $522,927.23
47 $52,828.18 $26,681.82 $26,146.36 $496,245.41
48 $52,828.18 $28,015.91 $24,812.27 $468,229.49
49 $52,828.18 $29,416.71 $23,411.47 $438,812.78
50 $52,828.18 $30,887.55 $21,940.64 $407,925.24
51 $52,828.18 $32,431.92 $20,396.26 $375,493.32
52 $52,828.18 $34,053.52 $18,774.67 $341,439.80
53 $52,828.18 $35,756.19 $17,071.99 $305,683.60
54 $52,828.18 $37,544.00 $15,284.18 $268,139.60
55 $52,828.18 $39,421.20 $13,406.98 $228,718.39
56 $52,828.18 $41,392.26 $11,435.92 $187,326.13
57 $52,828.18 $43,461.88 $9,366.31 $143,864.25
58 $52,828.18 $45,634.97 $7,193.21 $98,229.28
59 $52,828.18 $47,916.72 $4,911.46 $50,312.56
60 $52,828.18 $50,312.56 $2,515.63 $0.00
Men Principal
n
1( 1+i )
R =
i
D= $1,000 Depreciacion
Aos
C= $25,000.00 Anual
T= $20,000.00 1 $0.00
N= 5 2 $1,000.00
3 $1,000.00
4 $1,000.00
5 $1,000.00
Men
Princip
al
Men
Principal
ACIN
Depreciacion Valor en
Acumulada Libros
$0.00 $25,000.00
$1,000.00 $24,000.00
$2,000.00 $22,000.00
$3,000.00 $19,000.00
$4,000.00 $15,000.00
FONDO DE AMORTIZACION
S $30,000.00
n
R $1,202.75 Tasa ( 1+ i )
i 4.00% Anual X =R
n 24 i
FONDO DE AMORTIZACION
TOTALES $28,865.94 $1,134.06 $30,000.00
Perodo Incremento Interes Saldo
1 $1,202.75 $0.00 $1,202.75
2 $1,202.75 $4.01 $2,409.50
3 $1,202.75 $8.03 $3,620.28
4 $1,202.75 $12.07 $4,835.10
5 $1,202.75 $16.12 $6,053.96
6 $1,202.75 $20.18 $7,276.89
7 $1,202.75 $24.26 $8,503.90
8 $1,202.75 $28.35 $9,734.99
9 $1,202.75 $32.45 $10,970.19
10 $1,202.75 $36.57 $12,209.50
11 $1,202.75 $40.70 $13,452.95
12 $1,202.75 $44.84 $14,700.54
13 $1,202.75 $49.00 $15,952.29
14 $1,202.75 $53.17 $17,208.21
15 $1,202.75 $57.36 $18,468.32
16 $1,202.75 $61.56 $19,732.63
17 $1,202.75 $65.78 $21,001.15
18 $1,202.75 $70.00 $22,273.90
19 $1,202.75 $74.25 $23,550.90
20 $1,202.75 $78.50 $24,832.15
21 $1,202.75 $82.77 $26,117.67
22 $1,202.75 $87.06 $27,407.47
23 $1,202.75 $91.36 $28,701.58
24 $1,202.75 $95.67 $30,000.00
Men Principal
n
( 1+ i ) 1
R
i
$30,000.00
Saldo
$1,202.75
$2,409.50
$3,620.28
$4,835.10
$6,053.96
$7,276.89
$8,503.90
$9,734.99
$10,970.19
$12,209.50
$13,452.95
$14,700.54
$15,952.29
$17,208.21
$18,468.32
$19,732.63
$21,001.15
$22,273.90
$23,550.90
$24,832.15
$26,117.67
$27,407.47
$28,701.58
$30,000.00